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Flood Insurance

Are there really floods in Arizona? Unfortunately, “Yes” we are all in a flood zone!

Flooding is not a water pipe bursting or a back-up from a sewer or drain, but rather is defined by The National Flood Insurance Program managed by The Federal Emergency Management Agency (FEMA.gov)

The National Flood Insurance Program definition of a Flood per the FEMA website Floodsmart.gov is:

A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least 1 of which is the policyholder’s property) from:
–Overflow of inland or tidal waters; or
–Unusual and rapid accumulation or runoff of surface waters from any source; or
–Mudflow; or

Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above. *

The National Flood Insurance Program or NFIP was established in 1968 and is now under the Federal Emergency Management Act or FEMA.

FACT: A flood can occur anywhere and you do not need to be in a high risk flood zone to have a flood loss.

FACT: Flood is NOT covered by homeowners or renters insurance.

FACT: Floods can happen anywhere–More than 20 percent of flood claims come from properties outside the high risk flood zone.*

Floods can be caused by a variety of reasons such as heavy rain storms, melting snow and of course hurricanes and Tropical Depressions, Etc. There are also Flash Floods that can occur without warning and are the most dangerous kind of floods as they are fast and unpredictable.

You do not have to be in a designated High-risk Special Flood Hazard Area, you can still purchase flood coverage!